Pricing
Professional liability from around $1,000/yr for small consulting firms. Pricing is illustrative — your premium depends on your profile, location, and coverage. Confirm with a quote.
Clearline Pro is an illustrative niche carrier writing professional liability and commercial property coverage, with an underwriting focus on consulting firms, agencies, and technology-adjacent businesses that need errors and omissions protection tailored to their profession. The carrier’s profile emphasizes its willingness to write professional classes that standard or generalist markets sometimes decline, along with claims-made policies structured with broad retroactive dates — a feature that protects against claims arising from work performed before the current policy term began.
For tech consultants and agencies in particular, tailored E&O forms mean that the policy language is designed to address the specific risks of their work rather than applying a generic professional liability form. Commercial property coverage for small building owners rounds out the carrier’s appetite. The limitations described in the profile include premiums that can run higher than what a generalist carrier might charge for easier-to-place professions, and a relatively narrow product range — buyers who also need general liability, workers’ compensation, or other commercial lines will need to look to additional carriers. Clearline Pro appears best suited to firms whose main insurance need is a well-structured professional liability policy.
This is an illustrative carrier profile for comparison purposes; confirm actual availability, pricing, and policy terms with a licensed agent or a current quote.
A carrier's marketing rarely tells you what matters. Before you buy professional liability coverage from Clearline Pro — or anyone — weigh four things that actually predict your experience:
- Financial strength. An insurer must be able to pay claims years from now. Check its AM Best financial-strength rating; A- or better signals a stable balance sheet.
- Claims & complaints. The NAIC complaint index compares consumer complaints to an insurer's market share — under 1.0 is better than average. It's the closest thing to a public claims-experience score.
- Coverage and exclusions. Two policies at the same price can differ enormously. Read what's covered, the limits, the deductible, and — most importantly — the exclusions.
- Discounts and price. Bundling, claims-free, and safety discounts move the number. Always gather at least two quotes so the comparison is real.
Insurance8020's carrier profiles are illustrative of how we weigh these factors; availability, pricing, and terms vary by state, so confirm the specifics in a quote.
Is Clearline Pro available in my state?
Carrier availability and pricing vary by state and by line of business. The fastest way to confirm whether Clearline Pro writes professional liability insurance where you live — and at what price — is to start a quote with your ZIP code.
How is the Coverage Score for Clearline Pro calculated?
The Coverage Score is a 0–100 editorial composite of value, coverage breadth, and claims experience, backed by sourced inputs such as AM Best financial-strength ratings and the NAIC complaint index. It is never a paid placement. See our methodology for the full approach.
What should I check before buying a policy from any insurer?
Confirm the insurer's financial strength rating (AM Best), review its NAIC complaint index relative to market share, read the specific coverages, limits and exclusions, ask about available discounts, and get at least two competing quotes so you can compare like for like.